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Many human resource departments and investment advisors tend to direct employees to target funds for retirement. For example, if you will be 65 in 2030,

Many human resource departments and investment advisors tend to direct employees to "target funds" for retirement. For example, if you will be 65 in 2030, you might be directed to place your monies in the "target fund for 2030" if you don't have other ideas for your 401-k plan. What are the pros and cons of targeted funds? please give us your answer in detail explanation.

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